Tampa, FL · Cert 58520
FDIC · 3 branches
Q3 2017
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2017 SOD (annual) · 0.2% share · #37 of 63 inst. · $0.2B of $81.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | 0.23% | 0.27% | 0.40% | 0.57% | 0.61% | 0.48% | 0.55% | +15 bps | |
| Return on Equity | -2.63% | 2.31% | 2.71% | 3.95% | 5.61% | 6.03% | 4.65% | 5.18% | +123 bps | |
| Net Interest Margin | 3.39% | 3.38% | 3.69% | 3.87% | 3.82% | 3.72% | 3.88% | 3.83% | -3 bps | |
| Efficiency Ratio | 87.97% | 88.02% | 88.92% | 84.33% | 76.73% | 83.64% | 80.76% | 77.88% | -645 bps | |
| Non-Interest Burden | 2.96% | 2.93% | 3.25% | 3.23% | 2.87% | 3.08% | 3.10% | 2.96% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.30% | 5.26% | 9.35% | 7.83% | -1.23% | 0.29% | -0.46% | -5.55% | -1,338 bps | |
| Loan Growth (YoY) | 36.96% | 27.05% | 28.67% | 25.25% | 11.09% | 8.09% | 8.07% | 3.26% | -2,198 bps | |
| Deposit Growth (YoY) | 12.68% | -1.74% | 4.80% | 13.07% | -6.02% | 9.07% | 11.26% | 14.17% | +110 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.34% | 0.00% | 0.06% | 0.01% | 0.16% | -0.08% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.41% | 1.42% | 1.36% | 1.29% | 1.30% | 1.33% | 1.30% | 1.29% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.29% | 9.38% | 9.24% | 9.44% | 9.45% | 9.76% | 10.03% | 10.03% | +59 bps | |
| Total Risk-Based Capital | 14.27% | 14.32% | 14.18% | 13.83% | 13.42% | 13.72% | 13.83% | 14.12% | +29 bps | |
| Equity / Assets | 9.89% | 10.14% | 10.09% | 10.08% | 10.11% | 10.23% | 10.29% | 10.81% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.79% | 82.19% | 85.26% | 87.10% | 87.22% | 81.45% | 82.81% | 78.78% | -832 bps | |
| Liquid Assets / Assets | 8.84% | 8.59% | 8.24% | 7.76% | 7.62% | 7.41% | 8.67% | 7.97% | +21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |